Search for: [Abstrakt = "This paper examines low\-income households’ financial capability by looking at their financial literacy, financial behaviour as well as financial inclusion. Using the data from micro\-study, the author proves that even though financial literacy among low\-income households is very low, most financial behaviour \(especially the basic ones like managing a financial budget\) are rather high. It seems that being financially illiterate does not stop low\-income households from being financially capable, which might be mainly connected with some social and environmental factors that shape their capability and help low\-income members of households to find some other ways of achieving satisfactory level of financial behaviour than just through increasing financial literacy. Moreover, having little money forces low\-income households to become very careful financial decision\-makers. Additionally, the multivariate analysis has shown that being financially literate \(especially risk and debt literate\) and being financially included are key latent factors in understanding financial capability among low\-income households from rural regions of Poland. These two factors also play a significant role in understanding the adaptation to low\-income among the polled households \(measured by the marginal effects of pseudo\-R2 ratio in logit model\)"]

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